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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,797 | $69,012-58.3% | $160,037-82.0% | $68,490-58.0% |
| Participation rate | 48.9% | 65.4%-16.5pp | 78.0%-29.1pp | 67.9%-19.0pp |
| Annual return | -26.89% | -9.65%-17.2pp | 408.95%-435.8pp | -7.85%-19.0pp |
| Employer contribution / active EE | $1,296 | $2,212-41.4% | $4,226-69.3% | $2,597-50.1% |
| Participant deferral / active EE | $4,506 | $4,212+7.0% | $6,184-27.1% | $4,028+11.9% |
| Admin fee / account holder | $366 | $4,798-92.4% | $8,716-95.8% | $5,403-93.2% |